The Canada Workers Benefit (CWB) is a refundable tax credit designed to support low-income workers.
In 2025, eligible individuals can receive up to $1,518 annually, with families qualifying for up to $2,616. This benefit aims to provide financial relief and encourage workforce participation.
Payment Dates
The Advanced Canada Workers Benefit (ACWB) allows eligible recipients to receive up to 50% of their CWB in advance payments. For 2025, the scheduled payment dates are:
| Payment Month | Payment Date |
|---|---|
| January | January 10, 2025 |
| July | July 11, 2025 |
| October | October 10, 2025 |
Note: If a payment date falls on a weekend or federal holiday, the payment is issued on the preceding business day.
Eligibility Criteria
To qualify for the Canada Workers Benefit:
- Age Requirement: Must be at least 19 years old by December 31, 2024, or live with a spouse, common-law partner, or child.
- Residency: Must be a resident of Canada throughout the year.
- Income Thresholds:
- Single Individuals: Adjusted net income must be below $35,095.
- Families: Adjusted family net income must be below $45,934.
- Exclusions:
- Full-time students enrolled for more than 13 weeks in the year (unless they have an eligible dependent).
- Individuals incarcerated for 90 days or more during the year.
- Persons exempt from paying taxes in Canada (e.g., diplomats).
Benefit Amounts
The amount received under the CWB depends on income and family status:
| Category | Maximum Annual Benefit |
|---|---|
| Single Individuals | $1,518 |
| Families | $2,616 |
| Disability Supplement | $784 |
Note: The benefit amount gradually decreases as income approaches the upper thresholds.
How to Claim
To claim the Canada Workers Benefit:
- File Your Tax Return: Ensure you file your 2024 income tax return, even if you have no income to report.
- Complete Schedule 6: Fill out Schedule 6 (Canada Workers Benefit) and include it with your tax return.
- Advance Payments: If eligible, the CRA will automatically issue advance payments based on your tax return. No separate application is required.
- Disability Supplement: If eligible for the Disability Tax Credit, ensure you have an approved Form T2201 on file with the CRA to receive the supplement.
The Canada Workers Benefit offers vital financial support to low-income workers and families.
By understanding the eligibility criteria and ensuring timely tax filings, individuals can maximize their benefits. Stay informed and proactive to make the most of this opportunity in 2025.
FAQs
Do I need to apply separately for advance payments?
No, advance payments are automatically issued by the CRA based on your tax return.
What if my income changes during the year?
Significant changes in income may affect your eligibility. It’s essential to update your information with the CRA promptly.
Can both spouses claim the CWB?
Only one spouse can claim the basic CWB amount, but both can claim the disability supplement if eligible.